1
Seller: American Residential Holdings, Inc. Administrator: Karin Peterson
Servicer: Countrywide Home Loans, Inc. Bankers Trust Company
Lead Underwriter: Bear Stearns Asset Backed Securities, Inc. 3 Park Plaza
Record Date: April 23, 1999 Irvine, CA 92614
Distribution Date: April 26, 1999 Factor Information: (800) 735-7777
EXHIBIT 10.1
REMIC IV
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DISTRIBUTION IN DOLLARS
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PRIOR CURRENT
ORIGINAL PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS FACE VALUE BALANCE INTEREST PRINCIPAL TOTAL LOSSES INTEREST BALANCE
Class A 83,822,000.00 69,593,904.19 316,652.26 2,170,681.24 2,487,333.50 0.00 0.00 67,423,222.95
Class M-1 6,715,000.00 6,715,000.00 32,164.85 0.00 32,164.85 0.00 0.00 6,715,000.00
Class M-2 4,228,000.00 4,228,000.00 21,003.76 0.00 21,003.76 0.00 0.00 4,228,000.00
Class B 3,376,000.00 3,376,000.00 19,171.93 0.00 19,171.93 0.00 0.00 3,376,000.00
Class X 0.00 0.00 238,265.19 0.00 238,265.19 0.00 0.00 0.00
R 1,000.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Totals 98,142,000.01 83,912,904.19 627,257.99 2,170,681.24 2,797,939.23 0.00 0.00 81,742,222.95
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FACTOR INFORMATION PER $1000 ORIGINAL FACE PASS-THROUGH RATES
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PRIOR CURRENT
PRINCIPAL PRINCIPAL
CLASS CUSIP BALANCE INTEREST PRINCIPAL TOTAL BALANCE CURRENT NEXT
Class A 02926WAA4 830.258216 3.777675 25.896319 29.673994 804.361897 5.118750% 5.092500%
Class M-1 02926WAB2 1,000.000000 4.790000 0.000000 4.790000 1,000.000000 5.388750% 5.362500%
Class M-2 02926WAC0 1,000.000000 4.967777 0.000000 4.967777 1,000.000000 5.588750% 5.562500%
Class B 02926WAD8 1,000.000000 5.678889 0.000000 5.678889 1,000.000000 6.388750% 6.362500%
Class X AR98B1001 0.000000 2.427760 0.000000 2.427760 0.000000 0.000000% 0.000000%
R AR98B1002 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000% 0.000000%
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2
Seller: American Residential Holdings, Inc. Administrator: Karin Peterson
Servicer: Countrywide Home Loans, Inc. Bankers Trust Company
Lead Underwriter: Bear Stearns Asset Backed Securities, Inc. 3 Park Plaza
Record Date: April 23, 1999 Irvine, CA 92614
Distribution Date: April 26, 1999 Factor Information: (800) 735-7777
REMIC III
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DISTRIBUTION IN DOLLARS
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PRIOR CURRENT
ORIGINAL PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS FACE VALUE BALANCE INTEREST PRINCIPAL TOTAL LOSSES INTEREST BALANCE
T3-1 83,822,000.00 70,266,740.23 399,037.01 2,318,789.92 2,717,826.93 0.00 0.00 67,947,950.31
T3-2 6,715,000.00 6,715,000.00 38,133.74 0.00 38,133.74 0.00 0.00 6,715,000.00
T3-3 4,228,000.00 4,228,000.00 24,010.34 0.00 24,010.34 0.00 0.00 4,228,000.00
T3-4 3,376,000.00 3,376,000.00 19,171.93 0.00 19,171.93 0.00 0.00 3,376,000.00
*T3-5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
*T3-6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
*T3-7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
T3-8 1,000.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00
R-III 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Totals 98,142,000.01 84,585,740.23 480,353.02 2,318,789.92 2,799,142.94 0.00 0.00 82,266,950.31
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FACTOR INFORMATION PER $1000 ORIGINAL FACE PASS-THROUGH RATES
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PRIOR CURRENT
PRINCIPAL PRINCIPAL
CLASS CUSIP BALANCE INTEREST PRINCIPAL TOTAL BALANCE CURRENT NEXT
T3-1 AR98B1301 838.285178 4.760528 27.663262 32.423790 810.621917 6.388750% 6.362500%
T3-2 AR98B1302 1,000.000000 5.678889 0.000000 5.678889 1,000.000000 6.388750% 6.362500%
T3-3 AR98B1303 1,000.000000 5.678888 0.000000 5.678888 1,000.000000 6.388750% 6.362500%
T3-4 AR98B1304 1,000.000000 5.678889 0.000000 5.678889 1,000.000000 6.388750% 6.362500%
*T3-5 AR98B1305 0.000000 0.000000 0.000000 0.000000 0.000000 1.920095% 2.818859%
*T3-6 AR98B1306 0.000000 0.000000 0.000000 0.000000 0.000000 0.094646% 0.112773%
*T3-7 AR98B1307 0.000000 0.000000 0.000000 0.000000 0.000000 1.825445% 2.706086%
T3-8 AR98B1308 0.000000 0.000000 0.000000 0.000000 0.000000 6.388750% 0.000000%
R-III AR98B1309 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000% 0.000000%
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*Notional Balance
3
Seller: American Residential Holdings, Inc. Administrator: Karin Peterson
Servicer: Countrywide Home Loans, Inc. Bankers Trust Company
Lead Underwriter: Bear Stearns Asset Backed Securities, Inc. 3 Park Plaza
Record Date: April 23, 1999 Irvine, CA 92614
Distribution Date: April 26, 1999 Factor Information: (800) 735-7777
REMIC II
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DISTRIBUTION IN DOLLARS
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PRIOR CURRENT
ORIGINAL PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS FACE VALUE BALANCE INTEREST PRINCIPAL TOTAL LOSSES INTEREST BALANCE
T2-1 96,217,234.91 84,351,425.29 615,892.46 2,127,267.62 2,743,160.08 0.00 0.00 82,224,157.67
T2-2 981,808.52 847,976.98 4,815.57 23,826.38 28,641.95 0.00 0.00 824,150.60
T2-3 981,808.52 873,480.66 4,258.16 21,706.81 25,964.97 0.00 2,119.57 853,893.42
T2-4 0.00 0.00 1,375.94 0.00 1,375.94 0.00 0.00 0.00
R-II 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Totals 98,180,851.95 86,072,882.93 626,342.13 2,172,800.81 2,799,142.94 0.00 2,119.57 83,902,201.69
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FACTOR INFORMATION PER $1000 ORIGINAL FACE PASS-THROUGH RATES
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PRIOR CURRENT
PRINCIPAL PRINCIPAL
CLASS CUSIP BALANCE INTEREST PRINCIPAL TOTAL BALANCE CURRENT NEXT
T2-1 AR98B1201 0.000000 6.401062 22.109008 28.510070 854.567872 8.214195% 9.068586%
T2-2 AR98B1202 0.000000 4.904795 24.267848 29.172644 839.420909 6.388750% 6.362500%
T2-3 AR98B1203 0.000000 4.337057 22.109006 26.446063 869.714820 8.214195% 9.068586%
T2-4 AR98B1204 0.000000 0.014020 0.000000 0.014020 0.000000 1.825445% 2.706086%
R-II AR98B1205 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000% 0.000000%
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4
Seller: American Residential Holdings, Inc. Administrator: Karin Peterson
Servicer: Countrywide Home Loans, Inc. Bankers Trust Company
Lead Underwriter: Bear Stearns Asset Backed Securities, Inc. 3 Park Plaza
Record Date: April 23, 1999 Irvine, CA 92614
Distribution Date: April 26, 1999 Factor Information: (800) 735-7777
REMIC I
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DISTRIBUTION IN DOLLARS
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PRIOR CURRENT
ORIGINAL PRINCIPAL REALIZED DEFERRED PRINCIPAL
CLASS FACE VALUE BALANCE INTEREST PRINCIPAL TOTAL LOSSES INTEREST BALANCE
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T1-1 96,217,234.91 84,351,425.29 615,892.46 2,127,267.62 2,743,160.08 0.00 0.00 82,224,157.67
T1-2 981,808.52 847,976.97 6,191.51 23,826.38 30,017.89 0.00 0.00 824,150.59
T1-3 981,808.52 873,480.67 4,258.16 21,706.81 25,964.97 0.00 2,119.57 853,893.43
R-I 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Totals 98,180,851.95 86,072,882.93 626,342.13 2,172,800.81 2,799,142.94 0.00 2,119.57 83,902,201.69
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FACTOR INFORMATION PER $1000 ORIGINAL FACE PASS-THROUGH RATES
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PRIOR CURRENT
PRINCIPAL PRINCIPAL
CLASS CUSIP BALANCE INTEREST PRINCIPAL TOTAL BALANCE CURRENT NEXT
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T1-1 AR98B1101 0.000000 6.401062 22.109008 28.510070 854.567872 8.214195% 9.068586%
T1-2 AR98B1102 0.000000 6.306230 24.267848 30.574078 839.420898 8.214195% 9.068586%
T1-3 AR98B1103 0.000000 4.337057 22.109006 26.446063 869.714830 8.214195% 9.068586%
R-I AR98B1104 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000% 0.000000%
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5
Seller: American Residential Holdings, Inc. Administrator: Karin Peterson
Servicer: Countrywide Home Loans, Inc. Bankers Trust Company
Lead Underwriter: Bear Stearns Asset Backed Securities, Inc. 3 Park Plaza
Record Date: April 23, 1999 Irvine, CA 92614
Distribution Date: April 26, 1999 Factor Information: (800) 735-7777
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30 DAYS 31-60 DAYS 61-90 DAYS 91+ DAYS
DELINQUENT LOANS
Principal Balance 2,433,033.01 986,875.07 149,901.43 464,867.02
Number of Loans 33 11 2 6
LOANS IN FORECLOSURE
Principal Balance 0.00 0.00 0.00 3,082,791.47
Number of Loans 0 0 0 17
REO LOAN
Principal Balance 0.00 0.00 0.00 0.00
Number of Loans 0 0 0 0
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GENERAL MORTGAGE LOAN INFORMATION
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Beginning Aggregate Mortgage Loan Balance 86,072,882.93
Principal Balance of Liquidated Loans 0.00
Ending Aggregate Mortgage Loan Balance 83,902,201.69
Net Rate 8.21419%
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6
Seller: American Residential Holdings, Inc. Administrator: Karin Peterson
Servicer: Countrywide Home Loans, Inc. Bankers Trust Company
Lead Underwriter: Bear Stearns Asset Backed Securities, Inc. 3 Park Plaza
Record Date: April 23, 1999 Irvine, CA 92614
Distribution Date: April 26, 1999 Factor Information: (800) 735-7777
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Servicing Fee 16,440.87
Interest Advanced 342,468.20
Principal Advanced 26,818.40
Has Trigger Event Occurred NO
Cumulative Applied Realized Loss 0.00
Current Realized Loss 0.00
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INTEREST
INTEREST CARRYOVER
SHORTFALL AMOUNT
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Class A 0.00 0.00
Class M-1 0.00 0.00
Class M-2 0.00 0.00
Class B 0.00 0.00
Class X 0.00 0.00
R 0.00 0.00
Total 0.00 0.00
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EXTRA
PREPAYMENT SCHEDULED PRINCIPAL
PRINCIPAL PRINCIPAL DISTRIBUTION
DISTRIBUTED DISTRIBUTED AMOUNT
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Class A 2,121,395.61 49,285.63 0.00
Class M-1 0.00 0.00 0.00
Class M-2 0.00 0.00 0.00
Class B 0.00 0.00 0.00
Class X 0.00 0.00 0.00
R 0.00 0.00 0.00
Total 2,121,395.61 49,285.63 0.00
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